How It Works
Your Complete Financial Plan
— Built by AI in Minutes
From your first input to a complete plan in five steps.
Get Started FreeIncome & Expenses
Tell us about your finances
Start by entering your income, monthly expenses, and retirement accounts. NestBridge categorizes your cash flow — income, flexible spend, and savings — to establish your real financial baseline. No spreadsheets, no advisor meeting required.
We connect directly to your bank via Plaid so your numbers are always up to date.
Projection
We project your savings and equity through retirement
NestBridge models your savings growth and home equity year by year — from today through age 90. You see exactly how your nest egg builds during your working years, peaks at retirement, and draws down as you spend.
Adjust your retirement age, savings rate, or spending and watch the projection update instantly.
Monte Carlo Simulation
Your plan is stress-tested across thousands of market scenarios
We run Monte Carlo simulations across thousands of market conditions — bull markets, crashes, high inflation, low returns — to calculate your Retirement Projection Score. A score of 78% means your plan succeeds in 78% of all modeled futures.
This is the same method used by institutional financial advisors, now available to you for free.
Retirement Income Strategy
See where your income comes from — year by year
Once you retire, NestBridge maps out your income sources for every year: salary while you work, then Social Security, taxable withdrawals, and Roth distributions in retirement.
The tax analysis overlay shows your federal, state, and NIIT burden so you can optimize Roth conversions and minimize lifetime taxes — a strategy that can save tens of thousands of dollars.
Monthly Tracking
Track your spending against your plan every month
A plan is only useful if you stick to it. NestBridge shows you exactly where each month's money went — non-flexible spending, discretionary, and how much you actually saved toward retirement.
When you overspend a category, you see it immediately — not in next quarter's advisor review.
Ready to see your retirement plan?
Sign up free — no credit card, no advisor appointment. Your full plan in minutes.
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